DETERMINANT FACTORS OF ISLAMIC FINANCIAL INCLUSION: A STUDY OF THE MUSLIM COMMUNITY IN SURABAYA. I-Finance: a Research Journal on Islamic Finance, [S. l.], v. 12, n. 1, p. 1–18, 2026. DOI: 10.19109/ifinance.v12i1.33516. Disponível em: https://jurnal.radenfatah.ac.id/index.php/I-Finance/article/view/33516.. Acesso em: 9 jun. 2026.